Analyst, Credit Control Unit, Risk Management Group

DBS Bank; Delhi; On-site; INR 600,000 - 1,200,000; Full time

Job summary

DBS Bank in New Delhi is seeking a Risk Management professional to coordinate documentation, monitor post-disbursement conditions and ensure strict adherence to credit memos and regulatory norms.

You will liaise with RMs, legal teams, and regulators, manage MIS and data integrity, and oversee offshore/onshore limit loading and facility disbursements with focus on accuracy and timely execution.

Qualifications

• Graduate in Commerce with 3–5 years of experience in credit administration or related banking roles.
• Experience in documenting for credit approvals and credit memos is essential.
• Strong knowledge of RBI/ECB norms for offshore lending and regulatory requirements.

Responsibilities

• Check offer letters and security documents for compliance with credit memos.
• Follow up pre- and post-disbursement conditions; monitor and rectify pending items.
• Prepare MIS for internal and HO/regulators; maintain data accuracy.
• Manage databases and MIS related to Credit Control Unit.
• Liaise with in-house legal and external counsel to draft non-standard docs with proper credit conditions.

Skills

Job Knowledge

Organising Skills

Proactive

Communication Skills

Interpersonal Skills

Education

Commerce degree

Tools

MS Office

Job description

• peparing/Checking of offer letters and documents in line with the credit conditions stipulated in Credit Memos
• Monitoring of post disbursal conditions
• Limit inputting, release and Checking of all conditions precedents stipulated in Credit Memo before loading of both Offshore and Onshore limits
• Tracking of various regulatory/Credit Monitoring items like Stock Statement, QIS, Insurance policies, collateral audit, ROC Search etc.
• Preparing MIS on incomplete security documents and and liaising with RMs for receipt/rectification of such items
• Liaising with in-house legal team and external legal counsel for drafting of non standard docs so as to ensure that credit conditions stipulated by credit chain are incorporated in such documents
• Liaising with HO, other department for MIS and other information as well as for off-shore limits loading/facilities disbursals.
• Participating actively in Process analysis and making them more efficient and reducing duplication of processes.

Key Accountabilities And Requirements

• peparing/Checking of offer letters and documents in line with the credit conditions stipulated in Credit Memos
• Monitoring of post disbursal conditions
• Limit inputting, release and Checking of all conditions precedents stipulated in Credit Memo before loading of both Offshore and Onshore limits
• Tracking of various regulatory/Credit Monitoring items like Stock Statement, QIS, Insurance policies, collateral audit, ROC Search etc.
• Preparing MIS on incomplete security documents and and liaising with RMs for receipt/rectification of such items
• Liaising with in-house legal team and external legal counsel for drafting of non standard docs so as to ensure that credit conditions stipulated by credit chain are incorporated in such documents
• Liaising with HO, other department for MIS and other information as well as for off-shore limits loading/facilities disbursals.
• Participating actively in Process analysis and making them more efficient and reducing duplication of processes.

Job Duties & Responsibilities

• Checking of offer letters and security documents
• Follow up of Pre and Post monitoring disbursal conditions and pending security documents
• Preparing of various MIS which includes, Internal MIS and that for HO/ regulators
• Effect Data base management of various MIS pertaining to Credit Control Unit
• Liaising with in house and external legal for drafting of non standard docs and also with vendors for valuation, charge creation etc.
• Effective management of the portfolio being handled by him/her.

Experience

• The job holder should have requisite skills in terms of understanding the various products offered by the bank. He/She should have handled credit administration
• Jobs. Minimum of 3-5 years in credit administration in various positions (For BE-A the experience level of 3 years can be considered).

Education / Preferred Qualifications

The job holder needs to be at least a graduate in the Commerce stream. Should have handled documentation for at least 3-5 years,. Basic knowledge of MS Office and various systems used by CCU can be an added advantage.

Core Competencies

• The job holder needs to posses the following skills:
• Job Knowledge: The job holder needs to have thorough job knowledge of documentation and various corporate bank products and needs to know as to what is expected from him/her.
• Organising Skills: The job holder needs to be organised so as to enable him to meet the conflicting deadlines.
• Proactive: To understand the system implementations and grasp the changes faster.
• Communication Skills: The job holder needs to have effective verbal as well as written communication skills.
• Interpersonal Skills: The job holder needs to liaise with various stake holders including but not limited to RMs, Legal Compliance, Finance teams

Technical Competencies

The job holder needs to have the Basic knowledge of MS Office and various systems used by CCU. He/she should be well aquatinted with RBI as well as ECB norms for offshore lending and other regulation prescribed by various regulators from time to time.

Location

New Delhi

Job

Risk Management

Schedule

Regular

Employee Status

Full time